Consumer Proposal

Reduce your payments without going bankrupt? Yes, it is possible! A Consumer proposal is a settlement of your debt resulting in a smaller, more manageable payment. It is tailored to the ability of an individual and means that you will only pay a portion of the debt outstanding without any ongoing interest, penalties or upfront fees.

A: There are no additional costs to you in addition to your agreed upon Proposal payments. The fees for a Consumer Proposal are legislated in the Bankruptcy & Insolvency Act. The fees are deducted from the payments you make into the Consumer Proposal.

"I came to Hardie & Kelly to find help for a solution to my financial problems; I have found the solution and people who have cared about me as a person. They have worked hard to ensure that my quality of life is back." - says Carole

Bankruptcy

Get a fresh financial start through a personal bankruptcy, which is a legal process that will eliminate most of your unsecured debt. You will receive protection from the collection action of your creditors including wage garnishments and you will not lose everything.

A: Trustee fees, filing fees, and counselling fees are regulated by the government. The Trustee is usually paid out of the funds from the liquidation of your assets. If you have no assets available, you must make a monthly payments to pay the Trustee’s fees and disbursements. In the simplest cases, and if you have not been bankrupt before, this amounts to about $1,420 plus counselling costs and GST (roughly $1,800 in total). Hardie & Kelly Inc. offers payment plans that allow you to make payments over a period of time.

"After my wife passed away, I found a place where I could be around people without having to talk to anyone: the local casino. Eventually, I started gambling - within two years I had remortgaged my house three times, and had maxed out my credit." - says Jim

Success Stories

Right now, your financial situation may seem overwhelming or even hopeless. But nothing could be further from the truth. We've helped hundreds of people in situations just like yours. Today, thanks to our services, they've rebuilt their finances - and their lives are back on track.

Jim

"After my wife passed away, I found a place where I could be around people without ha ..."

Many Canadians in their Golden Years are getting poorer.
More Seniors in Canada are carrying debt into retirement, including mortgages, car loans and credit card debt. The debt is often incurredRead More

Our expertise and skill in handling corporate bankruptcy is top tier, but our rates are highly competitive thanks to our boutique firm approach. We provide our very best counsel and service for each client regardless of their size.

At Hardie & Kelly, we're Calgary born and bred. Not only are we based in Calgary, but our decisions are made in Calgary in the best interest of our Calgary clients -- not a distant corporate head office.

Personal Insolvency Practice
Hardie & Kelly is a Calgary owned and operated firm offering debt solutions to individuals and businesses in the Calgary and Southern Alberta region. We have some of the most experienced people in Calgary available to offer personal ...

Marc Kelly, CA, CPA, CIRP

Marc qualified as a Chartered Accountant in 1992 and has practiced exclusively in the insolvency field since that time providing advice and assistance to individuals and businesses experiencing financial difficulties.

Contact us today for a Free Consultation

Privacy

This statement discloses the privacy practices for the entire web site.

Hardie and Kelly may collect implicit information on an anonymous basis from users who visit our web site, for aggregate statistical analysis and site customization. Implicit information is data that we can gather about the user without asking them. Importantly, aggregate statistical analysis means that Hardie and Kelly reviews trends based on information as a whole, but does not do so in an effort to identify the individual identity of the visitor to its site.

We also may solicit email for site feedback, business development, press inquiries and human resources inquiries. In select instances, this information may be shared with reputable third companies. However, Hardie and Kelly does not disclose human resource information solicited from our web site to third parties or affiliates.

Any personal information that you voluntarily provide to us, such as site registration information, will be collected and used by us on an internal basis only. Unless we tell you otherwise at the point on the site where the information is collected, we do not share any personal information about you with third parties or affiliates.

IP addresses may be logged to track a user’s session. An IP address is the unique numerical identity of your computer. When we “log” an IP address, it means that our Web site associates a visit or series of visits to that unique numerical identity. Hardie and Kelly also uses cookies in order to assist in aggregate statistical analysis and sometimes provide site customization based on anonymous session tracking. In other words, Hardie and Kelly uses cookies to determine trends for users as a whole, but not as means to learn about your individual identity. Cookies, by themselves, cannot be used to determine the actual identity of users. On their own, they can be used to identify a computer, but not who is using that computer. Because of this, if Hardie and Kelly customizes the site based on cookies, we won’t know who you are unless you tell us.

Hardie and Kelly collects the visitor’s domain name, referral data, as well as browser and platform type. We also count, track, and aggregate the visitor’s activity into our analysis of general traffic flows at our sites. When and if Hardie and Kelly does present aggregated information to outside companies, no one would be able to identify you or contact you.

We will never share your personal information with any third party without your consent. Access to personal information is limited to our employees, and agents with a need to access such information for the purposes set forth in this privacy policy. We will not use your personal information other than as set forth above without your consent.

We reserve the right to change, add, or remove portions from this privacy policy at any time. However, if any change involves a plan to use your personal information in a way that differs from this privacy policy, we will first obtain your prior consent. When your consent is required for any action under this privacy policy, you agree that Hardie and Kelly may obtain your consent by an “opt-in” or “opt-out” method, or by other means (such as sending to you an email).